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All Journal Jurnal Iqtisaduna Jurnal Ekonomika Dan Bisnis Wadiah : Jurnal Perbankan Syariah Relevance: Journal of Management and Business Jurnal Maps (Manajemen Perbankan Syariah) Jurnal Studi Islam dan Sosial
Widyaningsih, Meilana
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Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

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Loyalitas Nasabah Pada Bank Syariah Indonesia: Peran Kualitas Pelayanan, Atribut Produk Islami, dan Citra Perusahaan Pasya, Andhira Juanita; Widyaningsih, Meilana
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51358

Abstract

This study aims to determine the effect of service quality, Islamic product attributes, and corporate image on customer loyalty with the aim of continuous improvement and customer balance at Bank Syariah Indonesia (BSI). The data type used in the study is quantitative, with primary data. The population used in this research were all Bank Syariah Indonesia customers in Surakarta. They were collected using questionnaires physically and online to Bank Syariah Indonesia (BSI) customers. The questionnaires collected were 138 respondents to be used as samples and then analyzed using SPSS 23. The analysis method used was multiple linear regression analysis. The research results showed: that (1) service quality has no effect on customer loyalty, (2) Islamic product attributes have an effect on customer loyalty, and (3) company image has an effect on customer loyalty.
Peran Modal Intelektual dalam Keunggulan Bank Syariah di Indonesia Rahmadhani, Annisa; Widyaningsih, Meilana
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51359

Abstract

This study aims to determine the influence of Intellectual Capital on Profitability in Sharia Commercial Banks in Indonesia. The population used in this research is the annual financial reports of Islamic banks registered with Sharia Commercial Banks (BUS) for 2019-2023. The number of samples used in this research was 11 samples. The type of data used in this research is quantitative research, using secondary data with financial reports. The analysis tool used is SPSS 23.0. The data analysis used is in the form of classical assumption tests and multiple linear regression analysis. The results of this test show that simultaneously Intellectual Capital (VACA, VAHU, and STVA) has an effect on profitability (ROA) of 72.1%. Partially, it indicates that VACA and VAHU have a significant impact on bank profitability (ROA), because the significant value of these two variables is <0.05. Meanwhile, STVA does not have a significant effect on profitability (ROA), this is because the significant value of STVA is > 0.05.
Pengaruh Kompensasi, Lingkungan Kerja dan Motivasi Kerja terhadap Kinerja Karyawan PT BPRS Sukowati Sragen Arviyanti, Della; Widyaningsih, Meilana
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 8 No. 2 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v8i2.1303

Abstract

This study to determine the influence of compensation, work environment and work motivation on the performance of employees of PT BPRS Sukowati Sragen. The method used for this research is a quantitative method with saturated sampling. The number of population and sampel in this study is 90 employees of PT BPRS Sukowati Sragen. Primary data for this study was collected by distributing quetionnaires to all employees of PT BPRS Sukowati Sragen. The data processing of this study uses SPSS 23.0. The result of this study are: 1) Compentation has a significant positive effect on the performance of PT BPRS Sukowati Sragen employees with a sig. < 0,05 (0,000 < 0,05) ; 2) The work environment has a significant positive effect on the performance of PT BPRS Sukowati Sragen employees with a sig. < 0,05 (0,001< 0,05) ; 3) Work motivation has a significant positive effect on employee performance with the calculation of sig.< 0,05 (0,038 < 0,05). Meanwhile, based on the result of the F test, the three variables have a simultaneous effect with F calculation (23,475) > F table (2,71) on the performance of PT BPRS Sukowati Sragen employees.
Pengaruh Service Excellent, Keamanan, Dan Kecepatan Pelayanan Terhadap Keputusan Nasabah Muslim Menggunakan Jasa Pegadaian CP Kartasura Lestari , Nuri; Widyaningsih, Meilana
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 5 (2024): September - Oktober
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i5.2024

Abstract

This research aims to determine and analyze Excellent Service, Security, and Speed ​​of Service on Muslim Customers' Decisions to Use Pegadaian CP Kartasura services. This research uses a quantitative approach method using the SPSS 25 application by distributing questionnaires during the research period. This research uses the population of Pegadaian CP Kartasura customers by taking a sample of 120 customers who are Muslim. The research methods used are Instrument Test, Classical Assumption Test, Multiple Linear Regression Test, Model Determination Test, and Hypothesis Test. The research results show that Service Excellent has a positive and significant effect on the decision of Muslim customers to use CP Kartasura pawnshop services, Security has a positive and significant effect on the decision of Muslim customers to use CP Kartasura pawnshop services, and Service Speed ​​has a positive and significant effect on the decision of Muslim customers to use CP pawnshop services. Kartasura.
Analisis Pengaruh Bauran Pemasaran Terhadap Minat Menabung Di Bank Syariah Pada Masyarakat Muslim Surakarta Wulaningsih, Elistiya Cahya; Widyaningsih, Meilana
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i1.1804

Abstract

Pengaruh bauran pemasaran untuk meningkatkan minat menabung pada bank syariah. Pada saat ini perbankan syariah mengalami perkembangan dan kemajuan yang pesat namun dalam memperoleh nasabah perbankan syariah masih kalah dengan perbankan konvensional, mengingat hal utama masyarakat indonesia yang beragama muslim lebih dominan. Teknik pengumpulan data dilakukan dengan penyebaran kuisioner secara langsung dan melakukan wawancara kepada masyarakat yang berada di Surakarta, penyebaran dilakukan di lima kecamatan berikut : Pasar Kliwon, Jebres, Laweyan, Banjar sari, dan Serengan. Jumlah sampel yang diperoleh dari penyebaran kuisioner adalah 100 responden, dalam penelitian ini digunakan perangkat lunak SPSS untuk mengolah data dan menganalisis data menggunakan analisis linier berganda. Hasil uji T terdapat faktor yang mempengaruhi minat menabung yaitu faktor produk, harga, promosi, dan juga bukti fisik, sedangkan tempat, proses, orang, tidak berpengaruh signifikan terhadap minat menabung. Uji F menghasilkan hasil bahwa produk, harga, promosi, tempat, proses, orang, dan bukti fisik secara simultan berpengaruh signifikan terhadap minat menabung di bank syariah.
Anteseden Penerimaan Paylater di Kalangan Konsumen Muslim di Surakarta: Pendekatan UTAUT 3 Widyaningsih, Meilana; Saputri, Nur Handayani; Hasyim, Fuad
Lisyabab : Jurnal Studi Islam dan Sosial Vol 5 No 1 (2024): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v5i1.237

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi penggunaan Paylater pada konsumen muslim di Surakarta. Kerangka teori yang digunakan adalah Unified Theory of Acceptance and Use of Technology (UTAUT). Populasi terdiri dari individu-individu yang bertempat tinggal di Karisidenan Surakarta. Sampel penelitian berjumlah 179 responden yang dipilih menggunakan teknik quota sampling dan disebar melalui kuesioner dengan metode random sampling. Analisis data dilakukan dengan menggunakan Structural Equation Modeling Partial Least Square (SEM-PLS). Hasil penelitian menunjukkan bahwa seluruh variabel mempunyai pengaruh positif dan signifikan baik langsung maupun tidak langsung terhadap perilaku penggunaan, kecuali variabel ekspektasi kinerja. Ekspektasi kinerja tidak menunjukkan pengaruh langsung atau tidak langsung terhadap perilaku penggunaan. Hal ini disebabkan meskipun berbagai kemudahan yang ditawarkan oleh Shopee Paylater, konsumen yang tidak bijaksana secara finansial bisa saja terjebak dalam pembelian impulsif.
Faith, Ecology, and Frugality: Unpacking Muslim Consumers’ Motivations Toward Fashion Thrifting Widyaningsih, Meilana; Priyanka, Felyna; Bibi, Safia
Relevance: Journal of Management and Business Vol. 8 No. 2 (2025): December
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v8i2.12717

Abstract

This study unpacks the intertwined motivations of faith, ecological consciousness, and frugality that shape fashion thrifting behavior among Muslim consumers in urban Indonesia. Anchored in Self-Determination Theory (SDT) and the Theory of Planned Behavior (TPB), the research constructs a model that traces how intrinsic motivations (religiosity and environmental awareness) and extrinsic motivation (frugality) inform attitude, subjective norms, perceived behavioral control, and actual thrifting behavior. Differing from previous fragmented approaches, this model’s originality lies in its holistic integration of spiritual and economic drivers within a single structural framework to explain value-laden consumption. Using a cross-sectional survey and SEM-PLS analysis on 194 respondents, the study reveals that attitude serves as the central conduit for these motivations. Frugality emerges as the most consistent direct predictor, while religiosity and ecological awareness exert nuanced indirect influences. Multi-group analysis highlights gender as a significant moderator, whereas generational differences are less pronounced. Practically, these findings suggest that thrift industries should adopt gender-specific marketing that aligns with Islamic ethical values, while policymakers can leverage these spiritual-ecological links to promote sustainable consumption in emerging markets.
Studi Literatur: E-Money sebagai Instrumen Kuantitatif dalam Kebijakan Moneter di Indonesia Widyaningsih, Meilana
Lisyabab : Jurnal Studi Islam dan Sosial Vol 6 No 2 (2025): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v6i2.412

Abstract

This study aims to examine the application of electronic money (e-money) as a quantitative instrument in monetary policy in Indonesia through a qualitative approach based on literature review. In the digitalization era, the transformation of the payment system has developed rapidly, altering consumption patterns and the structure of the national financial system. This study utilizes various secondary literature sources to evaluate how e-money impacts financial inclusion, consumer behavior, the national payment system, and monetary stability. The findings indicate that e-money holds significant potential in supporting the effectiveness of monetary policy, particularly in expanding the monetary base and contributing to inflation control. However, its effectiveness as a quantitative instrument depends on supervision, regulation, and synergy between monetary authorities and digital financial industry players.
Co-Authors Arviyanti, Della Bibi, Safia Hasyim, Fuad Lestari , Nuri Pasya, Andhira Juanita Priyanka, Felyna Rahmadhani, Annisa Saputri, Nur Handayani Wulaningsih, Elistiya Cahya